First City Bank
Headquartered in Alpharetta, GA. Part of Heart of Georgia Bancshares, Inc. FDIC certificate #16281 · Federal Reserve RSSD 6125996.
Total assets
$24M
Deposits
$21M
Q1 2026
Active branches
1
Closings since Jan 2020
0
1 openings since Jan 2020
Financial snapshot — Q1 2026
All quarters →Net income (quarter)
$-112K
Return on assets
-1.83%
Return on equity
-15.60%
Noncurrent loan rate
0.72%
Deposits by year (Summary of Deposits)
02019
02020
02021
02022
02023
02024
02025
Values in $ billions, June 30 of each year.
Openings by year
12026
Other network changes since 2020
- 2 branch relocations
- May 15, 2026: legal name changed from “Bank of Lumber City” to “First City Bank”
Branches by state
All figures transcribed from FDIC BankFind Suite records: structure-change history, quarterly financial reports and the annual Summary of Deposits · bank site: www.firstcitybankga.com.